Are you being harassed into making a Good Sam credit card payment?
The FTC and CFPB frequently receive bitter complaints from consumers about the harassing and abusive experiences they face at the hands of debt collectors. Collectors will often place excessive amounts of telephone calls to debtors, involve unauthorized third parties, make threats of arrest, and generally carry out abusive behavior, all in a bid to get you to settle the delinquent debts on your Good Sam’s club card.
When you have missed more than one Sam’s club credit card payment they may transfer or you’re your debt to an independent debt collection firm to manage your account and get you to settle the debt on your Good Sam credit card.
The company that hires these third-party collectors (in this case, Good Sam/ Camping world) has no authority to regulate them. If you wish to report a complaint, then you may do so by writing or calling the FTC or CFPB. You may also call us at 877-700-5790 if you have a complaint about a debt collection agency or a third-party debt collector.
Note that your rights are protected under the FDCPA, and harassment in the process of trying to get you to pay your Camping world credit card debt is strictly outlawed.
Who is Good Sam/ Camping World?
Owned by Good Sam Enterprises, Good Sam/ Camping World was established in 1966, and is acclaimed as the world’s largest RV organization. From Discounts to Roadside Assistance, and Insurance, Good Sam provides you with everything you need to have a great time on the road.
250 Parkway Dr Ste 270 Lincolnshire, IL, 60069-4346 United States
FAQs about your Good Sam credit card debt
What debts are covered by the FDCPA?
The FDCPA covers personal debt such as mortgages, student loans, auto loans, and credit card loans such as your Camping world visa card debt.
Who is a third-party debt collector?
A third-party collector is an individual or agency tasked with the job of recovering debt that originally didn’t belong to them. They are either hired by your original creditor (or in some cases, another third-party collector), or have purchased your Comenity bank/Good Sam debt from them.
What are the laws regarding how a debt collector can contact you?
A debt collector can try to reach you about your Comenity Good Sam card in person, by telephone, mail, email, text, fax, and more recently, by social media. They may not contact you before 8:00 a.m. or after 9:00 p.m (unless you have told them to do so) or show up at inconvenient places such as your place of employment.
Can you stop a debt collector from contacting you?
If you write what is known as a cease-and-desist letter, you should be able to get a collector to stop contacting you. Send this letter via certified mail and request a return receipt as evidence that the debt collector received your letter.
You should, however, be aware that sending a cease-and-desist letter to a debt collector does not mean that you no longer owe the debt. In the case of sending a cease-and-desist letter, out of sight is should never mean out of mind as well. You can still get sued by a debt collector over delinquent payments on your Good Sam rewards credit card despite you sending them a cease-and-desist letter.
Who is a debt collector allowed to communicate with about your Good Sam Comenity card?
If you retain the services of an attorney, then all communication from the debt collector will be directed to your attorney, instead of to you. If you do not have an attorney, and the debt collector needs to find the necessary information needed to locate you, they may contact the people in your social circle. The law permits them to do this but restricts what information they are allowed to recover from them. A debt collector may only call a third party to gain information about your address, phone number, and place of employment. In most cases, they can’t call more than once or tell them that they are debt collectors pursuing you over a debt.
What is a debt collector obligated to tell you?
Within five days after they first contact you, the collector contacting you over your Good Sam credit card must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
Are you getting calls from a Good Sam/ Camping World number?
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, then you are receiving calls from a known Good Sam/ Camping World number. You may be a victim of robocalls from Good Sam/ Camping World. The list above is not all the numbers that Good Sam/ Camping World uses. The calls can be from different phone numbers and still be Good Sam calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Good Sam credit card debt. Contact our office right away so we can start the process to stop Good Sam/ Camping World from calling you when they shouldn’t.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication.
If you are interested in learning more about how to protect yourself from the harassment you are currently facing over your Good Sam credit card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com